Cascade Bancorp (Bancorp) is a bank holding company. Bancorp and its wholly owned subsidiary, Bank of the Cascades (the Bank) (the Bancorp and the Bank are collectively known as Cascade or the Company). The Bank offers a range of commercial and retail banking services to its customers through a network of around 40 branches serving communities in Central, Southern and Northwest Oregon, as well as in the greater Boise/Treasure Valley, Idaho area. The Bank offers commercial real estate loans, real estate construction and development loans, and commercial and industrial loans, as well as consumer installment, line-of-credit, credit card and home equity loans. The Bank provides consumer and business deposit services, including checking, money market and time deposit accounts and related payment services, Internet banking, electronic bill payment and remote deposits. The Bank also provides trust and investment related services to its clientele.